Learn the basics of investing

Investing for retirement can seem complicated... but it doesn't have to be. It comes down to four basic and timeless investment principles.

Watch this video to learn about the principles that can help you save for a more comfortable retirement and the tools that can help take some of the guesswork out of investing.

Roth after-tax contributions and Roth in-plan conversions are available to eligible active salaried and non-union, non-exempt employees, and executives participating in the Kaiser Permanente Tax Sheltered Annuity Plan; and to eligible active non-physician executives, non-physician senior leaders, podiatrists, salaried employees, and non-union, non-exempt employees participating in the Southern California Medical Group Tax Sheltered Retirement Plan.

Auto-enrollment is available only to non-represented employees and employees represented by a Labor Management Partnership Union.

Keep in mind, all investing is subject to risk, including the possible loss of the money you invest. A KP Retirement Path Fund is subject to the risks of its underlying funds, and its returns are not guaranteed at any time, including on or after its target date. There can be no assurance that the funds will achieve their stated objectives. An investor may experience losses, at any time, including near, at, or after a fund’s target retirement year. In addition, there is no guarantee that an investor’s investment in the fund will provide any income at or through the years following the fund’s target retirement year in amounts adequate to meet the investor’s goals or retirement needs. Diversification does not ensure a profit or protect against a loss.

Vanguard Financial Planning Services, offered as part of Vanguard Personal Advisor Services, are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Eligibility restrictions may apply.

Tax implications: You will be responsible for paying any applicable federal, state, local, or foreign taxes on a withdrawal from pre-tax accounts. A withdrawal of Roth earnings is usually not taxable if the initial Roth contribution was made more than five years ago and the withdrawal is after age 59½, death, or total and permanent disability. Early withdrawals may be subject to a 10 percent federal penalty tax. To the extent required by law, Vanguard will make the appropriate withholding for tax purposes.